信贷风险是世界各国银行业普遍存在的问题,亚洲金融危机暴发后,金融风险问题引起了我国党政领导人的高度重视,国有商业银行信贷资产质量较低,信贷自我约束、风险防范机制薄弱,是国有商业银行经营中较为突出的问题。目前,我国银行业又面临加入WTO后人民币业务放开的压力。按照中美签署的中国加入世贸组织的双边协议,中国在加入WTO两年后,将允许外资银行向国内企业提供人民币业务,五年后允许向国内居民个人提供人民币业务,国有商业银行将面临巨大的冲击。商业银行参与国际竞争,对其信贷资产质量间题、信贷风险的防范不可等闲视之,必须加以解决。我国国有商业银行可以借鉴国外同行的风险评级系统、管理与控制、风除因素的分析和掌握,改进我们的信贷风险管理水平,提高信贷资产质量。 Credit risk is a common problem in the banking industry of all countries in the world. After the outbreak of the Asian financial crisis, the financial risk problem has drawn great attention from the party and government leaders in our country. The quality of the credit assets of the state-owned commercial banks is low, the credit self-restraint and the risk prevention mechanism are weak, It is a prominent problem in the operation of state-owned commercial banks. At present, China’s banking sector is under pressure to liberalize its RMB business after its accession to the WTO. According to the bilateral agreement signed by China and the United States on accession to the WTO, China will allow foreign banks to provide renminbi business to domestic enterprises after two years of accession to the WTO. Five years later, renminbi business will be allowed to be provided to domestic residents and state-owned commercial banks will face huge The impact. The participation of commercial banks in international competition must not be ignored in the prevention of the quality of credit assets and credit risks and must be solved. China’s state-owned commercial banks can learn from the foreign peer risk rating system, management and control, analysis and mastery of the wind removal factors, improve our credit risk management and improve the quality of credit assets.